HMDA Dataset Info¶

<class 'pandas.core.frame.DataFrame'>
Index: 3533892 entries, 0 to 4456613
Data columns (total 19 columns):
 #   Column                            Dtype  
---  ------                            -----  
 0   race                              object 
 1   sex                               object 
 2   co_applicant                      object 
 3   age                               object 
 4   income                            float64
 5   loan_amount                       int64  
 6   property_value_ratio              float64
 7   mortgage_term                     object 
 8   debt_to_income_ratio              object 
 9   combined_loan_to_value_ratio      float64
 10  tract_to_metro_income_percentage  object 
 11  white_population_pct              float64
 12  metro_name                        object 
 13  metro_code                        object 
 14  metro_size_percentile             object 
 15  state_code                        object 
 16  county_code                       object 
 17  census_tract                      object 
 18  loan_outcome                      object 
dtypes: float64(4), int64(1), object(14)
memory usage: 539.2+ MB
None
race sex co_applicant age income loan_amount property_value_ratio mortgage_term credit_model debt_to_income_ratio combined_loan_to_value_ratio main_underwriter tract_to_metro_income_percentage lender_type lender_size white_population_pct metro_name metro_code metro_size_percentile state_code county_code census_tract loan_outcome lender_id fips
1049171 White Male Co-applicant 45 through 54 193.0 285000 1.595 30 year mortgage TransUnion Healthy (<36%) 74.026 Desktop Underwriter Middle (80-120%) Independent Mortgage Companies 20250 70.670827 Charlotte-Concord-Gastonia, NC-SC 16740 90th percentile 37 179 37179020401 Loan originated (approved) 5493008VVXQIDO1EZ460 37179
2604596 White Male Co-applicant 35 through 44 267.0 635000 2.504 30 year mortgage Experian Healthy (<36%) 95.000 Not Applicable Moderate (50-80%) Banks 23714 83.340223 Madison, WI 31540 70th percentile 55 025 55025011101 Loan originated (approved) ZF85QS7OXKPBG52R7N18 55025
2314423 Latino Male No co-applicant 25 through 34 60.0 195000 0.451 Less than 30 years Equifax Unmanageable (43-49%) 80.000 Desktop Underwriter Moderate (50-80%) Banks 3361 18.705784 New York-Jersey City-White Plains, NY-NJ 35614 99th percentile 36 081 36081094202 Loan denied 549300IRXW9RSZM2B951 36081

Mortgage outcomes in HMDA data¶


Applicant Characteristics¶


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What leads to loan denials?¶

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Are disparities focused in any geographic areas?¶

Denial rates in the Chicago metropolitan area:¶

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Index(['STATEFP', 'COUNTYFP', 'TRACTCE', 'AFFGEOID', 'GEOID', 'NAME', 'LSAD',
       'ALAND', 'AWATER', 'geometry', 'loan_outcome', 'denial_rate',
       'num_applicants', 'white_population_pct'],
      dtype='object')